I just need to get my mind to enjoy the healthier meals more than the bad ones. It's so difficult for me to enjoy a bowl of porridge (another thing I dislike) over a bowl of cereal. I know it's pathetic, and I just need to get over it and stop making the excuses
Possibly controversial and I'm sure a lot of people will disagree but there is a lot of obesity in my family and the one thing that sticks out the most is that in their mind, food seems to be wrapped around enjoyment in a way that it just isn't for the ones who don't constantly struggle with weight.
When covid hit and my mum realised how much her weight increased her risk, she was researching all the 'plans' like WW and SW and cookbooks. I had about 1.5 - 2st to lose (because of boredom lockdown eating) so we decided to check in, go for walks, keep each other motivated.
I dropped it within three months while my mum really really struggled (same as you, Op, she was walking a lot and in 'calorie deficit' etc). Her friend had been to Turkey just before covid hit and was living off Quavers (don't 
) but the weight was falling off her too and I could see her getting more disheartened.
We sat down, had a coffee and for the first time ever we had an honest conversation about weight and I actually told her how I lost it. I eat high fat, high veg. Breakfast - breaking the fast - usually doesn't happen until at least 11am and sometimes 2pm, even 4pm if I'm busy. And breaking the fast is a boiled egg and maybe a slice of edam cheese and some cucumber. It's so dense and rich it completely fills me for hours. It's not "enjoyable". It's an egg! But I don't have any expectations of it being enjoyable because it's just food, you know?
Mum: But breakfast is the most important meal of the day.
Marketing speak to sell carby sugary cereal.
Mum: It sounds so boring.
So watch something you love on TV when you're eating it. Eat it and then do something that isn't boring. Why are there expectations that food must be something other than completely boring?
Mum: I'd be starving.
You get used to being hungry. Honestly I barely notice it, mornings I'm never hungry and if I don't break the fast until later, I kinda love that hungry feeling. It makes me feel more alert and productive, I have more energy, feel better in myself. I hate that stuffed full lazy feeling. Reshape your thoughts surrounding these feelings. Why do you want to feel filled? Don't you want to feel light?
When people say "it's not as simple as eat less move more" I completely agree with them. My mum doesn't think the way I do, and that is why she can't just eat less and move more. But she can focus on her thinking and feelings towards food. She can re-educate herself about the myths of demonising fat (and how the dropping of fat, the low-fat everything, correlated spectacularly with the rise in obesity). Fat makes you feel full. Fat is fuel. When you have 10 extra stone you can survive on very little (provided you're getting enough salts and minerals). She can have open and honest conversations with me and my sister about what we actually eat. 3 meals a day? We would be overweight too. 3 meals a day + snacks? I'd be on a trajectory to obesity. You have to learn what your body needs and ignore "the rules". A calculator might say you can have 1500 calories and maintain but if you are gaining weight... you probably need 1000.
How much do you think you'll be surviving on post surgery?
I question if WW and SW even want people to lose weight. I think they are heavily invested in keeping people fat and that's why everything about them is using a treat / reward / calculation method. "I have 3 points left so I can have a square of chocolate". Step back and analyse just how mad that sounds?
I wish you all the best of luck OP, truly! If you think surgery is the only way forward then as others have said, I think your best bet it to try to earn more money. Loads of ways to do this online nowadays. But think carefully about how you're going to be living post-surgery and realise that you can live this way now - but you have to change your attitudes about food. I don't think there is any other way. When you have this attitude, losing weight is very effortless which is why I don't stress when I put on a stone, which only takes me to the middle of my bmi. I know it will be lost easily. And FWIW my mum has gone from a size 22 - 24 to a 16, and still going. She's not as ruthless as I am about it, but I was incredibly lucky enough to be born that way anyway (naturally slim as they like to call it on MN). She is slowly trying to reset her thinking though and this is the most weight she's lost in my lifetime.